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Pre-existing Coverage Plans

A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre-existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim.

The insurance company normally goes by the guidance of the attending physician in the medical facility abroad while deciding whether a condition is pre-existing or not. If the attending physician declares that the cause of the treatment is a pre-existing condition carried by the insured, then the treatment costs will not be reimbursed under the policy.

While the policy certificate of most insurance companies may not explicitly state the availability of coverage for pre-existing diseases on the face of the policy certificate, the policy terms and conditions which are shared with your along with the certificate, will state that this coverage is available, subject to prescribed limits, terms and conditions. Some insurance companies offer a limited coverage for medical arising due to pre existing conditions, when the situation is Life threatening in nature.

Following plans are covered for Pre-existing condition under life-threatening situations:
Compare Pre-existing Coverage Plans Plan Maximum Eligibility (Age) Pre-existing Conditions Coverage

TATA AIG Travel Guard Insurance

Silver Plan: $50,000
Silver Plus Plan: $100,000
Gold Plan: $2,50,000
Platinum Plan: $5,00,000
Senior Plan Plan: $50,000
Deductible for all the plans: $100
6 months to 70 years
Senior Plan Plan: 71 years to 99 years
Pre-existing Condition or any complication arising from it in a life saving unforeseen emergency condition would be reimbursed up to $1500 per policy period

Reliance Travel Insurance

Standard Plan: $50,000
Silver Plan: $100,000
Gold Plan: $250,000
Platinum Plan: $500,000
Up to 70 years Declared pre-existing medical conditions are covered in case of Life threatening situations

Religare Travel Insurance

Explore Plans: $50,000; $100,000, $300,000; $500,000

Coverage varies with the travelers age and destination he / she is traveling.
Up to 90 years Declared pre-existing medical conditions are covered in case of Life threatening situations up to 10% of Sum Insured.

Bajaj Allianz Travel Assist Card Insurance

Classic Plan: $50,000
Premium Plan: $200,000
Priviledged Plan: $500,000
Age (61-70 years) $50,000
Up to 70 years Covers for a nominal amount as per plan choosen
Classic Plan: $300
Premium Plan: $500
Priviledged Plan: $1,000
Age $300

FAQ's related to pre-existing condition

What is a Pre Existing Condition? Are treatment costs for such conditions excluded under the policy?
A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim.

The insurance company normally goes by the guidance of the attending physician in the medical facility abroad while deciding whether a condition is pre existing or not. If the attending physician declares that the cause of the treatment is a pre existing condition carried by the insured, then the treatment costs will not be reimbursed under the policy. Some insurance companies offer a limited coverage for medical expenses arising due to pre existing conditions, when the situation is Life threatening in nature.
What is a Life Threatening Condition? Is Pre Existing coverage available for such a condition?
A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed upto a limit specified in the policy terms and conditions.Read more.
I have had a knee replacement / bypass surgery? Will travel insurance cover me?
If you have had the knee replacement or bypass surgery within 48 months prior to commencement of your travel/trip, then the same will be treated as a pre existing condition under the policy and any claim/treatment occurring as a result of the surgery, will not be covered under the policy.
I am diabetic ? Will travel insurance cover me?
If you are still under continuous medication for diabetes, the same will be treated as a pre-existing condition and excluded under the policy. Some insurance policies have a limited coverage for pre-existing conditions in life threatening conditions, this could provide some coverage subject to other terms and conditions of the policy, if the life threatening condition is a result of you being a diabetic.

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